What dots [senddots.com] does

Dots (operated by Divisible, Inc., a California corporation) provides a unified global payouts API platform that enables businesses to send mass payments to recipients across 190+ countries through 300+ payment rails including bank transfers (ACH, RTP, SWIFT), mobile money (bKash, GCash, GoPay), digital wallets (PayPal, Venmo, Cash App, GrabPay, Shopee Pay), and stablecoins/cryptocurrencies (USDC, USDT, BTC, ETH). The platform is built on a RESTful API with intelligent routing that automatically selects the fastest and most cost-effective payment rail per transaction. Core products include Dots Payouts (transaction execution), Dots Onboard (white-labeled payee KYC, sanctions screening, and information collection), Dots Tax (automated W-9, W-8BEN, T4A collection and 1099 e-filing for the US and Canada), Dots Control (enterprise fraud prevention with customizable risk signals and manual review), Payout Links (no-code link-based payouts), and the recently launched Dots Accounts Payable for global B2B invoice processing.

The company sells through a hybrid self-serve and enterprise go-to-market: a no-code dashboard and $19/month Dots Core tier serve startups and SMBs, while mid-market and enterprise customers access white-labeled iFrame components, one-line embeds, dedicated Slack channels with payout specialists, and guided implementation against volume-based custom pricing. Integration paths range from same-day sandbox API keys to fully embedded, branded wallets with unified ledger, with most developers reportedly able to complete basic integration in under a week. The company is SOC 2 Type II certified, relies on FDIC-member banking partners for underlying account services, and serves a deliberately diversified customer base spanning marketplaces, gig platforms, creator economy companies, NIL (Name, Image, Likeness) programs, eSports, affiliate programs, telehealth providers, music royalties, expert networks, class action administrators, freelancers, and civic/campaign organizations.

Revenue mechanics combine a transaction-based take-rate on payout volume with subscription fees (Dots Core) and custom enterprise contracts; the platform processes over $150M in payouts monthly and has moved more than $1.5B cumulatively to 1M+ payees. Dots raised an $8.9M Series A led by DCM in February 2026 (with Y Combinator participation) bringing total funding to over $14.8M, achieved profitability in 2025, and reports 400%+ year-over-year revenue growth, positioning it as a venture-backed, operationally cash-generative challenger to Stripe Connect, Trolley, and Tipalti in the global mass payouts category.

Name

dots [senddots.com]

Legal name

Divisible, Inc.

Website

https://senddots.com

Company type

Private

Operating status

Operating

Short description

Dots (Divisible, Inc.) provides a unified global payouts API platform enabling businesses to send mass payments to contractors, gig workers, creators, and marketplace sellers across 190+ countries through 300+ payment rails, with built-in KYC onboarding, tax compliance, and fraud prevention.

Ownership category

akta.pro rank

Product category

Global Payouts API / Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ)

akta.pro secondary industries

Marketplace & Platform Seller Payouts (FSAMAKAE), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)

Keywords

• Global payouts API
• Mass payment infrastructure
• Contractor payment platform
• Cross-border payment rails
• Payee onboarding compliance

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Platform Subscription and Usage Fees: Volume-based pricing with tiered plans including Dots Core at $19/month for small businesses. Pricing includes access to all features, compliance tools, and customer support with no hidden fees.
2. Transaction-based Payout Processing: Fees applied per payout transaction processed through the platform across 300+ payment rails globally.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Dots provides a unified payouts API and payment infrastructure platform that enables businesses to send mass payments globally across 300+ payment rails in 190+ countries. The platform combines white-labeled payee onboarding with sanctions screening, automated tax form collection and 1099 e-filing, configurable fraud prevention, and support for stablecoin, cryptocurrency, and local payment methods through a single RESTful API. Customers include marketplaces, gig economy platforms, creator economy businesses, and enterprises paying contractors, freelancers, and sellers worldwide.

Product overview

Dots is a unified end-to-end global payouts platform built on an API-first architecture. The platform consists of core products (Dots Payouts, Dots Onboard, Dots Tax), API and automation modules (Payouts API, Payouts Automation), and specialized features (Payout Links, Comprehensive Security, Dots Control, Dots Accounts Payable). Dots Core offers a $19/month entry tier for small businesses. The platform supports 190+ countries, 300+ payment rails, and processes over $2 billion in volume with 1 million+ payees. Integration options include no-code dashboard, one-line embed, drop-in components, and white-labeled wallets.

Differentiator

Problem solved

Functional benefit

Products and services

• Dots Payouts Core platform for sending payments instantly to anyone globally through 300+ payment rails across 190+ countries with intelligent routing that selects the fastest and most cost-effective rail for each transaction.
• Dots Onboard Fully white-labeled UI that screens payees against sanctions lists, verifies identity, and collects payout information in a 5-minute branded onboarding flow, reducing drop-off by 20-40%.
• Dots Tax Automated tax compliance platform that detects when tax information needs to be collected, validates W-9s, W-8BENs, and T4As, and files 1099 forms in the US and Canada, reducing tax season support tickets by 70%.
• Payouts API RESTful API for integrating payouts into applications, supporting cURL, Python, and Node.js with same-day sandbox keys and go-live in under 24 hours.
• Payout Links No-code payout solution that lets users send payouts via a simple shareable link, making payouts as easy as sending a text message.
• Comprehensive Security Security platform offering fraud monitoring, sanctions screening, and customizable fraud detection with real-time alerts and manual review queues for payout operations.
• Payouts Automation Workflow automation for payouts, enabling automated onboarding, verification, payments, tax forms, and notifications through configurable workflow templates.
• Dots Control Enterprise fraud prevention product with customizable fraud detection, real-time alerts, and manual review queues, designed to reduce fraudulent payout volume by over 50% for customers.
• Dots Accounts Payable Global business invoice processing capability enabling businesses to pay invoices to vendors worldwide, extending Dots beyond contractor payouts to broader accounts payable use cases.
• Stablecoin and Cryptocurrency Payouts Cryptocurrency payout support enabling payees to receive funds in stablecoins (USDC, USDT) and cryptocurrencies (Bitcoin, Ethereum, and more) globally.

Quantifiable outcome

• Reduces onboarding drop-off by 20-40%
• +6 more outcomes

Named customers12 records

Segments13 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature9 records

Partnerships

One partnership is on record.

• Bank PartnerscoreOthersBanking services provided by bank partners that are Members of FDIC. Dots is a fintech company, not an FDIC-insured bank.

Scale indicators8 records

Recent moves6 records

Expansion highlights7 records

Market position

Competitive moat6 records

Key highlights8 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about dots [senddots.com]